494 Moraga Way, Oceanside, CA 92058 Property Records

San Diego County property record for 494 Moraga Way, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,067 sqft · built 2001
Lot Size	0.162 acres (7,070 sqft)
Owner	2 Individual Names on File
Last Sale	$338,000 (Jun 2009)
Tax Bill	$2,957 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jan 2021 Mortgage
Flood Zone	Zone A99 (high risk)
APN	`158-672-25-00`

Property Details

APN / Parcel Number

Primary APN	`158-672-25-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,067 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,070 sqft (0.162 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	494 MORAGA WAY
City	OCEANSIDE
State	CA
Zip	92058-7998
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-H
Legal Description	LOT 77 TR 013723
Legal Subdivision	RIO VISTA
Legal Tract	013723
Legal Block	2
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

494 Moraga Way is owned and occupied by two individuals who bought it in June 2009.

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	494 MORAGA WAY, OCEANSIDE, CA 92058-7998
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 5, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2009 · Amount on File
Deed Sale	Jun 3, 2009 · Amount on File
Prior Sale	Sep 12, 2008 · Amount on File
Deed Document Number	2009297489
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	494 MORAGA WAY, OCEANSIDE, CA 92058-7998
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 MORAGA WAY, OCEANSIDE, CA 92058-7998

Mortgage

Document Number	0000019870
Date	Jan 25, 2023
Instrument	2023-0019870

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	114 Months
Due	Jul 1, 2032

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	494 MORAGA WAY, OCEANSIDE, CA 92058-7998
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 MORAGA WAY, OCEANSIDE, CA 92058-7998

Mortgage

Document Number	0000004642
Date	Jan 5, 2021
Instrument	2021-0004642

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 494 Moraga Way was $2,957 with a veteran's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$443,950 (+2%) Land $183,882 Building $260,068
2025	$2,957.00	$435,246 Land $180,277 Building $254,969
2023	$2,893.00 (-1.5%)	$418,347 Land $173,278 Building $245,069
2022	$2,937.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 494 Moraga Way in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 494 Moraga Way is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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